Last updated: March 2026
By using this website klustar.io any of our websites and/or services, you agree to these Terms of Use. The website Privacy Policy, Acceptable Use Policy, and Merchant Terms of Service (where applicable) are incorporated by reference into these Terms of Use. Your continued use of this website or any of our service via any other medium acceptable by us constitutes acceptance of these Terms and all Related Agreements.
Klustar is an online payment aggregator which facilitates online payment among individuals or companies willing to make or receive payments as the case may be (the "Service"), with the simple idea of making the flow of money and value into, within and from Africa seamless, efficient and cheap.
We are an independent contractor for all purposes, providing this website and our services on an independent service provider basis. We do not have control or assume the liability or legality for the products or services that are paid for with our service. We do not guarantee any user's identity and cannot ensure that a buyer or seller will complete a transaction.
To use Klustar, you have to create a Klustar account by registering. To register, you will provide us with certain information and we may seek to verify your information, (by ourselves or through third parties), after which we will approve your account unless deemed risky.
In the event that you change any information provided to us at registration, you agree to notify us within 21 days of such change. You represent that all information you provide to us upon registration and at all other times will be true, accurate, current, and complete.
We are required by law to carry out all necessary security and customer due diligence checks on you in order to provide any services to you. Klustar reserves the right to close, suspend, or limit access to your Klustar Account and/or the Services in the event we are unable to obtain or verify this information.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@klustar.io.
You must be at least 18 (eighteen) years of age to use this website. By using this website and by agreeing to these terms and conditions, you hereby warrant and represent that you are at least 18 years of age.
We hereby grant you a revocable, non-exclusive, non-transferable license to use Klustar's APIs, developer's toolkit, and other software applications (the "Software") in accordance with the documentation accompanying the Software. Unless otherwise provided by applicable law, you agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the Software. Upon expiration or termination of this Agreement, you will immediately cease all use of any Software.
You represent and warrant to Klustar that:
You agree to pay us for the services we render. Our Fees will be calculated as demonstrated on Klustar's pricing page. We reserve the right to revise our Fees at any time and where such is done, we would place a conspicuous notice on our website. You hereby accept such notice as being sufficient.
Unless otherwise stated, Klustar owns the intellectual property rights and materials on the website. All text, formatting, graphics, animation, tools, trade names, logos and other materials on the website are subject to the intellectual property rights of Klustar and its affiliates. This Content may not be copied, reverse-engineered, decompiled, disassembled, modified or reposted to other websites without our express written permission.
You hereby grant Klustar permissions to use your name and logo in our marketing materials including, but not limited to use on our website, in customer listings, in interviews and in press releases. Such publicity does not imply an endorsement for your products and services.
The parties acknowledge that in the performance of their duties herein, either party may communicate to the other certain confidential and proprietary information, including information concerning each party's services, know-how, technology, techniques, or business or marketing plans (collectively, the "Confidential Information"), all of which are confidential and proprietary to, and trade secrets of, the disclosing party.
As a condition to the receipt of Confidential Information, the receiving party shall not disclose it to any third party, shall not use it except to perform its duties herein, and shall take all necessary precautions to protect it with at least the same degree of care as it would with its own confidential information.
Our website and services are provided "as is" without any express, implied and/or statutory warranties. We make no warranty that our website and services will meet your requirements or that our website will be uninterrupted, timely, secure, or error-free. We have the right to suspend, withdraw, discontinue or change all or any part of our service without notice.
In no event shall Klustar or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any damages whatsoever arising out of, or in any way connected with the use or performance of the service, whether based on contract, tort, negligence, strict liability, or otherwise, even if Klustar or any of its suppliers have been advised of the possibility of such damages.
You may be required to upload certain information and documents to ascertain your eligibility to access the Services including but not limited to your identification/registration documents ("KYC Documents"). You hereby agree and warrant to provide valid, true, complete, and up-to-date KYC Documents.
For Businesses, you further agree that you are solely responsible for verifying the identities of your customers, ensuring that they are authorised to carry out the transactions on your platform, and maintaining information and proof of service or product delivery to your customer.
You hereby agree to fully indemnify and hold us harmless from and against any and all claims brought by a third party resulting from the use of our site and/or the Services, and in respect of all costs, actions, losses, claims, proceedings, damages, expenses (including reasonable legal costs and expenses), or liabilities whatsoever suffered or incurred directly or indirectly by us in consequence of such use or your breach of these Terms.
You may terminate this Agreement at any time by closing or deactivating your Klustar Account.
We may suspend your Klustar Account and your access to Klustar services or terminate this Agreement, if:
A Chargeback usually happens when a customer files directly with or disputes through his or her credit or debit card issuer a payment on their bill. You may be assessed Chargebacks for customer disputes, unauthorised transactions, transactions that do not comply with Card Network Rules, or any reversals by the Card Network. Where a Chargeback occurs, you are immediately liable for all claims, expenses, fines and liability we incur arising out of that Chargeback.
We may at our sole discretion, reserve a determined portion of your Payouts by holding same in Klustar's designated bank account for a certain period where in our opinion, there is a high level of risk associated with your business. If we take such steps, we will provide you with the terms of the Reserve. You agree that you will remain liable for all obligations related to your transactions even after the release of any Reserve.
You agree that you are solely responsible for accepting and processing refunds for return of your products and services. We are under no obligation to process such refunds or to respond to your customers' inquiries about returns. You agree to submit all Refunds directly to your customers in accordance with these terms and relevant Card Network Rules.
We shall make an effort to settle all disputes amicably. Any dispute arising out of these Terms which is not settled by mutual agreement/negotiation within 2 (two) weeks shall be referred to mediation by a single mediator at the Lagos Multi-Door Courthouse ("LMDC") and governed by the Lagos Multi-Door Courthouse Law. The findings of the mediator and subsequent award shall be binding on both parties. Venue for the mediation shall be Lagos, Nigeria.
If any portion of these Terms of Use is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms of Use and shall not affect the validity or enforceability of any other part in this Terms of Use.
Assigning or sub-contracting any of your rights or obligations under these Terms to any third party is prohibited. We however reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under these Terms to any third party.
Klustar reserves the right to change, revise or modify these Terms from time to time by updating this page. The changes will not be retroactive, and the most current version of the Terms will always be on this page. We will also try to notify you of any material changes via the email associated with your account or service notification. By continuing to use our services after the changes become effective, you agree to be bound by the revised Terms.
Certain Website or App functionality may make available access to information, products, services and other materials made available by third parties ("Third Party Materials"). We neither control nor endorse, nor are we responsible for, any Third Party Materials, including the accuracy, validity, timeliness, completeness, reliability, integrity, quality, legality, usefulness or safety of Third Party Materials. Your use of Third-Party Materials is at your own risk.
These Terms shall be interpreted and governed by the laws currently in force in the Federal Republic of Nigeria.